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Home insurance discounts and grants
Making a home harder for wind or wildfire to damage can lower what you pay, and some states help pay for the work. These guides explain each kind of upgrade or inspection, the discounts and grant programs tied to it, and the laws behind them.
- Wind Mitigation InspectionWhat a Florida wind mitigation inspection checks on form OIR-B1-1802, who can sign it, how long it lasts, what it costs and how it lowers your premium.
- FORTIFIED RoofWhat an IBHS FORTIFIED Roof is, how Roof, Silver and Gold differ, how certification and 5-year renewal work, and which states pay grants or require discounts.
- Wildfire Home Hardening and Insurance DiscountsHow embers ignite homes, defensible space Zones 0-2, ember-resistant vents, IBHS Wildfire Prepared Home, Firewise USA, and state laws requiring discounts.
- Defensible Space: Zones 0, 1 and 2, State Rules and InsuranceWhat defensible space is, what to do in Zones 0, 1 and 2, California's 100-foot law and Zone 0 status, home-sale rules, and how it affects insurance.
- My Safe Florida Home ProgramMy Safe Florida Home: who qualifies for the free wind mitigation inspection and grants up to $10,000, the 2-to-1 match, how to apply, and status as of Oct. 2026.
- Strengthen Alabama Homes GrantsHow Alabama's Strengthen Alabama Homes program works: up to $10,000 for a FORTIFIED Roof, who qualifies, 2026-2027 dates, steps and costs you pay.
Will it pay off?
Your state's discounts and grants
Each state's page lists the mitigation discount laws and grant programs we found for that state.